TWO baddies off, but util went up and I took a HUGE SCORE DROP!

for some mysterious reason, my one baddie that i actually deserved (a B of A chargeoff from 2005, originally an MBNA card), just disappeared from my TU and EQ reports last week.

also, a medical baddie just disappeared a year ahead of sked too.

but, i bet my util, which went way up to like 50% (not hard to do when you have on mastercard with an $800 limit and one macy's with a $400 limit that is virtually untouched), had a lot to do with how my score

WENT FROM 736 to 689/691!!!!!!!!!!

WTF?

could I have been rebucketed now that i have fewer baddies? currently all i really have on tap are 3 public records on TU, and 5 public records on EQ...i have one inaccurate report of a civil judgment that's paid, but reporting unpaid, and one lien to the feds that is unpaid, and won't be paid off until january. the rest are paid state liens.

no other baddies. the only "flagged" parts are the liens.

every other criteria is either "good" or "very good" (payment history).

average account age has not changed. only util, and disappearance of baddies.

Re: TWO baddies off, but util went up and I took a HUGE SCORE DROP!

Thanks for your reply. Is that true, that a line of credit long written off is considered part of your overall available credit?

AAoA didn't change, it looks like. But on closer examination, an old car loan that I paid off 10 years ago, a PERFECT account, has dropped off. Sucks. I have fewer negative TLs, but also fewer positive ones, and also I guess a less diversified bench of TLs at this point.

I guess that explains things even more. And I also think I'm antsy because other than hiring a NACA lawyer to help me petition to have those liens removed, there just isn't much more "repair" I can do. Which I guess is a bit unnerving, because I'm nearing a point where the only thing that will help is time. More and more time.

Re: TWO baddies off, but util went up and I took a HUGE SCORE DROP!

One was to find out is to do the math yourself. When getting your reports from EQ it will give you the percentage utilization. So, add up your balances multiply by 100 and divide by all of your credit card limits. Compare it to the percent that EQ is showing, if it is off then try adding the other items. I had the same question and that is how I found out that my closed accounts were not being used in the calculation. Whether they are supposed to, thats a different story.

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